Home Purchase Financing Calculator
Calculate your mortgage with repayment, fixed-rate period and extra payments. Including amortization schedule and remaining balance.
Loan amount
240.000,00 €
Monthly installment
1.100,00 €
Remaining debt after 10 years
182.627,00 €
Total term (estimated)
approx. 29 years
Total interest paid
142.074,53 €
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How much equity do I need for a property loan?
At least 20–30 % of the purchase price is recommended to cover acquisition costs (approx. 10–15 %) and secure good rates. Less equity is possible but leads to higher interest and longer terms.
What are purchase ancillary costs?
Purchase ancillary costs include: property transfer tax (3.5–6.5 % by state), notary fees (approx. 1.5 %), land register (approx. 0.5 %) and optionally agent commission (up to 3.57 %). Total approx. 10–15 % of purchase price.
How long should the fixed-rate period be?
At historically normal rates, experts recommend 10–15 years. At current rates around 3.5–4.5 % a 10–15-year fix provides good planning security.
What happens after the fixed-rate period ends?
The remaining debt is refinanced at then-current market rates. Interest rate risk: rates may be higher. A forward loan can lock in the rate up to 5 years in advance.
What is the Home Purchase Financing Calculator?
The home purchase financing calculator computes the monthly instalment for property loans and mortgages. It factors in purchase price, equity, interest rate, repayment and acquisition costs.
How does the Home Purchase Financing Calculator work?
Enter purchase price, equity, interest rate and initial repayment. The calculator computes the monthly annuity, remaining debt after the fixed-rate period and total term to full repayment. Optional: include purchase costs (property transfer tax, notary, agent).
Key Data and Facts
Property transfer tax by state: 3.5–6.5 %. Notary fees: approx. 1.5 %. Agent commission: up to 3.57 %. Recommended equity: at least 20 % of purchase price. Mortgage rates 2026 (10-year fix): approx. 3.5–4.5 % p.a.
Step-by-Step Guide
Step-by-step: 1. Purchase price + costs: transfer tax, notary, agent. Total ancillary costs: approx. 10–15 %. 2. Equity: at least 10–20 % of total. More equity = better rate. 3. Loan amount = price + costs − equity. 4. Choose fixed-rate period. 5. Set repayment: at least 2 % recommended. 6. Monthly payment = (loan × (rate + repayment)) ÷ 12.
Calculation Example
Purchase price 350,000 EUR, equity 70,000 EUR (20 %), loan 280,000 EUR. Rate 3.8 %, repayment 2.5 %: monthly payment 1,470 EUR. Term approx. 27 years.
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